Elmhurst, IL · Cert 33805 · Community Bancshares Elmhurst
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #99 of 147 inst. · $0.2B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.28% | 0.39% | 0.37% | 0.40% | 0.54% | 0.58% | 0.47% | +11 bps | |
| Return on Equity | 5.19% | 6.07% | 8.99% | 7.57% | 7.43% | 9.64% | 10.10% | 8.01% | +44 bps | |
| Net Interest Margin | 3.34% | 3.38% | 3.40% | 3.42% | 3.47% | 3.51% | 3.69% | 3.61% | +18 bps | |
| Efficiency Ratio | 92.09% | 91.14% | 84.89% | 84.97% | 83.87% | 81.42% | 77.72% | 79.85% | -512 bps | |
| Non-Interest Burden | 3.06% | 3.06% | 2.86% | 2.89% | 2.88% | 2.83% | 2.83% | 2.85% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.72% | 3.75% | 8.06% | 7.26% | 5.89% | 7.92% | 2.42% | 4.09% | -317 bps | |
| Loan Growth (YoY) | 1.19% | 10.72% | 10.54% | 12.10% | 10.28% | 7.54% | 9.21% | 9.88% | -223 bps | |
| Deposit Growth (YoY) | -10.28% | 6.01% | 17.44% | 16.55% | 14.63% | 10.94% | 1.04% | 0.03% | -1,652 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.09% | 0.04% | 0.00% | 0.05% | 0.05% | 0.02% | -2 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.19% | +20 bps | |
| Allowance / Loans | 1.83% | 1.71% | 1.70% | 1.76% | 1.75% | 1.66% | 1.64% | 1.69% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 19.7x | 40.1x | n/a | 31.8x | 34.2x | 86.0x | +45.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 10.19% | 10.06% | 9.87% | 9.93% | 9.67% | 9.64% | 9.94% | +8 bps | |
| Total Risk-Based Capital | 16.19% | 13.41% | 14.83% | 17.13% | 15.52% | 16.46% | 15.70% | 16.50% | -63 bps | |
| Equity / Assets | 5.28% | 4.02% | 4.57% | 5.14% | 5.56% | 5.68% | 5.80% | 6.04% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.36% | 68.34% | 64.94% | 65.61% | 66.73% | 66.24% | 70.18% | 72.06% | +646 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.51% | 0.94% | 0.43% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 323% | 334% | 356% | n/a | n/a | |